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INICIO / TASAS DE INTERÉS

Tasas de interés - HACER CLIC - Tarifas sujetas a cambios sin previo aviso

*Para conocer los términos y condiciones detallados de las tasas de estimación de préstamos que se anuncian aquí, navegue por esta página desde una versión de escritorio. Gracias.

FHA Mortgage Rates

SALES PRICE: $295,000
LOAN TERM: 30 years
PRODUCT: Fixed Rate

Loan Terms

Can this amount increase after closing?

Loan Amount

$289,656

NO

Interest Rate

4.99%

NO

Monthly Principal & Interest
See Projected Payments below for your Estimated Total Monthly Payment

$1,553.17

NO

Does the loan have these features?

Prepayment Penalty

NO

Balloon Payment

NO

Projected Payments

Payment Calculation

Years 1-30

Years

Payment Calculation

$1,553.17

$

Mortgage Insurance

 +

202.00

 +

Estimate Escrow
Amount can increase over time

 +

520.00

 +

Estimated Total
Monthly Payment

$2,275.17

$

Estimated Taxes, Insurance
& Assessments
Amount can increase over time

$520.00
month

This estimate includes

In escrow?

Property Taxes

YES

Homeowner’s Insurance

YES

Other:

See Section G on page 2 for escrowed property costs. You must pay for other property costs separately.

Costs at Closing

Estimated Closing Costs

$15,855

Includes $13,303 in Loan Costs + $3,807 in Other Costs – $0.00 in Lender Credits. See page 2 for details.

 
 

Estimated Cash to Close

$8,158

Includes Closing Costs. See Calculating Cash to Close on page 2 for details.

Closing Cost Details

Projected Payments

A. Origination Charges

$4,385

1.960 % Loan Origination (Points)

$4,209

Lender Document Attorney Preparation Fee

$175













Other Costs

E. Taxes and Other Government Fees

$125

Recording Fees and Other Taxes

$125

Transfer Taxes




F. Prepaids

$1,872

Homeowner’s Insurance Premium ( 12 months)

$1832

Mortgage Insurance Premium ( months)


Prepaid Interest ($40.15 / day for 1 days @ 4.99 %)

$40.15

PropertyTaxes ( months)


B. Services You Cannot Shop For

$6,276

Appraisal Fee

$670

Credit Report Fee

$50

Contract Processing Fee

$500

Flood Certification

$6

Tax Service Fee

$69

Up-Front Mortgage Insurance Premium

$4,981







G. Initial Escrow Payment at Closing

$1,560

Homeowner’s Insurance $152.67 per month for 3 mo.

$458

Mortgage Insurance per month for 0 mo.


Property Taxes $367.26 per month for 3 mo.

$1,102

H. Other

$250

HOA Transfer Fees

$250

I. TOTAL OTHER COSTS(E+F+G+H)

$3,807

C. Services You Can Shop For

$2,642

Survey Fee

$450

Title - Lender's Title Insurance

$1676

Title - Settlement/Escrow Fee

$450

Title - Tax Certificate Fee

$66









J. TOTAL CLOSING COSTS

$15,854

D + I

$18,854

Lender Credits

Calculating Cash to Close

Total Closing Costs (J)

$15,854

Closing Costs Financed (Paid from your Loan Amount)

-$4,981

Down Payment/Funds from Borrower

$10,325

Deposit (1% of Purchase Contract)

-$2,950

Funds for Borrower

$0.00

Seller Credits

-$10,000

Adjustments and Other Credits

$0.00

Estimated Cash to Close

$8,158

D. TOTAL LOAN COSTS (A + B + C)

$13,303

Cómo encontrar y comparar las tasas de interés de los préstamos hipotecarios...

 

El proceso de búsqueda de las mejores tasas de interés en Houston es, en muchas ocasiones, un trabajo complicado a tiempo completo.

Comprar una casa implica muchas decisiones complejas y, además de encontrar la casa adecuada, sería justo decir que la más importante es la tasa de interés del préstamo hipotecario. Es extremadamente importante asegurarse de que no pagaremos más intereses de los que deberíamos, con una tasa de interés mas baja durante el plazo de 15 o 30 años.

Considere el siguiente escenario hipotético que de ninguna manera es una oferta o extensión de crédito a 2 posibles tasas de interés diferentes, asumiendo que los costos de cierre son $0 y no hay seguro hipotecario. Ofrecimos $325,000 por la casa perfecta y el vendedor ha aceptado. Por lo tanto, los siguientes números,

Precio de compra: $325,000
Pago inicial: $16,250 (5%)
Monto del préstamo: $308,750
Opción 1 a 4.875% - Pago mensual: $1,633.93
Opción 2 a 4.625% - Pago mensual: $1,587.41

Si íbamos a cerrar la compra de dicha casa a una tasa de interés más alta de 4.875% y un pago de $1,633.93, el costo de oportunidad de no cerrar a la tasa más baja de 4.625% sería de $34,299.30. ¿Por qué? Porque si tuviéramos que elegir una tasa de interés más alta y, por lo tanto, un pago mensual más alto si se aplicara a una tasa más baja en una hipoteca a 30 años, aceleraríamos el plazo de nuestro préstamo en 21 pagos a $1,633.93 equivaldría a los $34,299.30. Y cualquier otro esfuerzo por pagar más aceleraría igualmente el pago de la nota.

Pero encontrar las mejores tasas de interés en Houston no solo depende de encontrar el banco más barato, sino también de encontrar la mejor asociación para completar la compra de una casa. Clear Lending ofrece las mejores tasas de interés en Houston mediante la creación de asociaciones entre agentes de bienes raíces y agentes de préstamos donde se pueden obtener mejores tasas que la mayoría de los competidores sin la necesidad de perder tiempo buscando docenas de bancos y prestamistas.

Simplemente solicite ahora y comenzaremos la aprobación de su préstamo hipotecario con todas sus opciones para comparar.

 

Comentarios de clientes:

  • Javier Rodriguez • Noviembre 05, 2015

    BEST LOAN OFFICER!!! I had a terrible experience with Nations Reliable Lending. After wasting time, I met Joan Gallardo. He cleaned my credit explaining WITH details what had to be done. He worked day, nights, even on SUNDAYS on getting me approved. Who does that? Just Joan Gallardo!!! I got a 100% financing thanks to Joan. Thanks to Joan my family and I have a place to call a HOME. I recommend everyone to contact JOAN GALLARDO! You will NOT regret it. Thank you Joan!!

  • Claudia Diaz • Febrero 07, 2018

    It was an amazing experience. My family and I are extremely thankful for all the hard work Joan and his team , above all Ms Elena and Ms Patricia. They all made our first time buying a home just as easy as it could be , even though my husband had to fix his credit. They told us what to do and what to work in order for us to improve his credit score . They fallowed us and Guided us for almost a year and then when we could be able to buy the process did not last a month . We were approved very quickly and the whole process was very fast , they work very fast and they work with you , they are an excellent team and I would recommend them 100% sure that they will do an excellent job helping you to buy the perfect house . Thank you so much , I am so deeply thankful.

  • Shane Williams • Diciembre 29, 2022

    Joan Gallardo was able to get me from phone call wanting a good home but not wanting to use a ton of my cash for down payment to being in the home in just a few months. Worked as a realtor and helped secure the lending...all in one. Honestly it was perfection. They got me in a better home than I expected when I first called. I can honestly say this was more than I expected, and it took a ton of stress out of a situation I was worried about starting. My only regret is not calling them earlier. I had worried I was not going to get what I wanted for a long time...I got it with Clear Lending.

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